Mississippi Car Insurance: Guidelines for Those Living on the Banks of the River

As with every state the ins and outs of auto insurance requirements in Mississippi are unique to this state and should be researched thoroughly prior to purchasing an insurance policy. For full information concerning Mississippi’s insurance requirements consumers can contact the Mississippi Insurance Department located in Jackson by calling 800-562-2957 or by visiting their website at http://www.doi.state.ms.us/

All residents of Mississippi are required to carry a minimum liability insurance policy to the tune of twenty five thousand dollars for the personal injuries suffered by a single driver, fifty thousand dollars to cover the combined medical expenses of all of the occupants of the vehicle and twenty five thousand dollars to pay for any property damages caused by the accident (this includes those sustained by the victim’s car). MS liability will only pay for damages suffered by the victim of an accident caused by the insured; it does not pay for any other expenses.

Because liability does not provide any coverage for the insured it is recommended that all motorists purchase a comprehensive and collision policy in addition to their liability coverage. Comprehensive and collision coverage will help pay for damages to the vehicle of the insured not in excess of the Kelley Blue Book value of the vehicle; if costs are found to exceed this amount the vehicle will be totaled and the owner awarded the cash value of the car. MS collision coverage may be required for any vehicle currently under lien.

Also not required but strongly suggested in light of the fact that not every state in the US requires its citizens to maintain a liability policy is uninsured motorist insurance. Uninsured motorist insurance will assist with damages resulting from a run in with a driver who does not carry liability insurance or whose insurance is not sufficient to cover all of the damages inflicted, as well as those injuries which are sustained by both man and vehicle in the wake of a hit and run.